Oneassure

Partner with us

Insurance Plans Comparison

Aditya Birla Activ One VIP+ vs Star Super Surplus Gold

Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...

Read more
Aditya Birla

Activ One VIP+

Activ One VIP+

What Makes It Special:

Activ One VIP+ is the global-cover-focused variant providing international protection for both planned and emergency treatment, alongside comprehensive domestic health insurance.

Best For:

  • Buyers wanting maternity and overseas protection

  • Customers wanting high sum insured

  • Frequent international travellers

  • Customer seeking international plan treatment

VS
Star

Super Surplus Gold

Star Health Super Surplus Gold Plan

What Makes It Special:

Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.

Best For:

  • Policyholders wanting additional protection beyond a base health plan

  • Customers seeking a Gold Plan maternity benefit

  • Families looking for a floater top-up plan

  • Customers wanting high Sum Insured with a defined limit

  • Families seeking additional top-up protection

Insurance Plans Comparison

Get Personalized Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Quick Decision Guide

Aditya Birla Activ One VIP+

  • International benefits should be checked against the policy schedule.

  • The plan is designed for higher sum insured levels.

  • Travel duration limits apply.

  • Overseas treatment is subject to geographical, eligibility and policy conditions.

Star Super Surplus Gold

  • The policy offers lifelong renewals.

  • Gold Plan provides a defined maternity benefit after the waiting period.

  • Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.

  • The policy is available on a family floater basis.

  • Gold Plan Sum Insured options extend up to ₹1 Crore.

Insurance Plans Comparison

Detailed Features Comparison

Compare the key features of different health insurance plans

Activ One VIP+
Activ One VIP+

Health Insurance Plan

Brochure

Policy Wording

VS
Super Surplus Gold
Super Surplus Gold

Health Insurance Plan

Brochure

Policy Wording

Room Rent

Activ One VIP+

Normal: Actuals up to Sum Insured.

ICU: Actuals up to Sum Insured.

VS

Super Surplus Gold

Single Private A/C Room


Advanced Treatments

Activ One VIP+

List all covered advanced/modern treatments mentioned: Uterine Artery Embolization and HIFU (High intensity focused ultrasound), Immunotherapy- Monoclonal Antibody, Vaporisation of the Prostrate (Green laser treatment or holmium laser treatment), Stem Cell Therapy (Hematopoietic Stem Cells for Bone Marrow Transplant for Haematological Conditions), Balloon Sinuplasty, Oral Chemotherapy, Robotic Surgeries, Stereotactic Radio Surgeries, Deep Brain Stimulation, Intra Vitreal Injections, Bronchial Thermoplasty, and IONM (Intra Operative Neuro Monitoring).

VS

Super Surplus Gold

Information Unavailable

ICU Charges

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Covered as part of hospitalisation

Co-payment

Activ One VIP+

Not mentioned

VS

Super Surplus Gold

Not specified as a standard co-payment

Disease-wise sublimits

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Specific limits and defined limits apply


Waiting Period

Activ One VIP+

Initial Waiting Period: 30 Days.

Pre-existing Disease Waiting Period: 3 years.

Specific Disease/Procedure Waiting Period: 2 years.

VS

Super Surplus Gold

Information Unavailable

Cashless Healthcare Providers

Activ One VIP+

10,000+ Network hospitals.

VS

Super Surplus Gold

Cashless treatment through network hospitals

Restoration Benefit

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Recharge Benefit available once for the remaining policy period


Daycare Treatment

Activ One VIP+

Actuals up to Sum Insured

VS

Super Surplus Gold

All daycare procedures covered

Cumulative Bonus

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Not specified


AYUSH Treatment

Activ One VIP+

Actuals up to Sum Insured

VS

Super Surplus Gold

Covered up to Sum Insured

Consumable Cover

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Not specified

Initial Waiting Period

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

30 Days, subject to policy terms


Specific Waiting Period

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

12 Months for Gold Plan specified diseases and procedures


PED Waiting Period

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

12 Months for Gold Plan PEDs

Modern Treatment

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Covered subject to applicable limits

Annual Health Checkup

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Not specified

Pre-Hospitalisation

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Up to 60 Days


Post-Hospitalisation

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Up to 90 Days

Outpatient Department Cover (OPD Expense)

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Not a standard OPD benefit

Deductible Option

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Defined Limit applies to aggregate eligible hospitalisation expenses


Coverage Options

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

₹5 Lakh to ₹1 Crore for Gold Plan


Claim Settlement Ratio

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Not specified

Maternity Cover

Activ One VIP+

Information Unavailable

VS

Super Surplus Gold

Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions


Insurance Plans Comparison

Still Confused? Get Expert Advice

Our insurance experts are here to help you make the right choice. Get personalized recommendations based on your specific needs and budget.

Why Choose Our Expert Consultation?

End-to-End Support

End-to-End Support

From choosing the right policy to managing claims, every step is handled for you

Zero Spam. Zero Hassle

Zero Spam. Zero Hassle

Pure advice, no unwanted calls, no unnecessary push

Free Expert Consultation

Free Expert Consultation

Talk to experienced advisors at no cost, and make confident decisions

24/7 Claim Assistance

24/7 Claim Assistance

Get a dedicated expert managing your claim end-to-end, from hospital admission to approval, including dispute resolution and support

What Our Experts Help You With

Personalised Recommendations

  • Every suggestion is backed by expert analysis of your life stage, goals, and budget

Expert-Led Policy Review

  • We decode the fine print—identifying risks, sub-limits, and gaps you may have missed. No surprises later

Smart, Tech-Enabled Experience

  • From digital onboarding to real-time claim tracking, our platform makes insurance easy, accessible, and stress-free

Insurance Plans Comparison

Explore Insurance Category

Senior Citizen Health Plan

Senior Citizen Health Plan

  • Secure against age-related medical costs

  • Tailored for seniors healthcare needs

Most Popular

Family Health Plan

Family Health Plan

  • One policy covers the entire family

  • High sum insured with cashless care

  • Multiple coverage options based on your family needs

Maternity Health Plan

Maternity Health Plan

  • Covers delivery, newborn care, and maternity expenses

  • Reduces financial stress of childbirth costs

Insurance Plans Comparison

Frequently Asked Questions (FAQs)

Having questions? We've got answers. Explore our FAQs to find the information you need.

1-5 of 10 FAQs

Compare With Other Health Insurance Plans

Activ One VIP+ vs Optima Secure

Activ One VIP+ vs Super Mediclaim

Activ One VIP+ vs Health Recharge

Activ One VIP+ vs Cancer Cover Activ Cancer Secure Plan

Activ One VIP+ vs Optima Secure Plus

Super Surplus Gold vs Optima Secure

Super Surplus Gold vs Super Mediclaim

Super Surplus Gold vs Health Recharge

Super Surplus Gold vs Cancer Cover Activ Cancer Secure Plan

Super Surplus Gold vs Optima Secure Plus

Oneassure

Health Insurance

Compare Health Insurance Plans

Activ One Vip+ Vs Super Surplus Gold

Policy Pal

Chat with PolicyPal

Get a free policy review

No pressure. No product push. Just honest advice.